FP Adult

Insurance for the Adult Industry

Our Insurance Cover Explained

Adult Industry - From Manufacturing to Retail, Wholesale and Drop Shipping, we offer a bespoke package to ensure your requirements are met protection your business from loss which may affect the financials of your company.

Production and Film Crews - An all-encompassing policy with the flexibility to cater for overseas shoots. Ensures all your valuable camera and lighting equipment is covered along with the contingent liability in respect of actors/actresses.

Late Night, Entertainment Venues and Clubs - A specific policy catering for licensed and unlicensed venues. You have the option to extend to include loss of licence and seasonal stock increase.

Saunas/Spas - Niche markets for those premises offering spa/sauna facilities that some insurers shy away from due to the increased fire risk.

Public Liability - Covering Third Party Property Damage and Injury caused by the business.

Products Liability - Third Party Property Damage and Injury as a result of the product you manufacture or retail. Can cater for businesses who import or export from outside the UK.

Employers Liability - A requirement by Law if of Limited Company status. Covers any claims bought against the company as a result of negligence.

Commercial Combined - A policy which has the ability to include or exclude covers you may or may not require which can include:

Marine Cargo - Ideal for storage of stock in a third party location but more commonly covering the imports and exports and stock movements of the company regardless if by land, air, sea or rail or where the products are sourced from or going to. Can be written and tailored to cover port to port transits or the requirements of your shipping terms and conditions. Also available on an invoice or sell basis to ensure no loss of profits as a results of an insured peril at a third party location.

Directors and Officers - Covers compensation claims made against the business directors and key managers (officers) for alleged wrongful acts. This can include:

Breach of trust/duty

Neglect

Error

Misleading Statements

Wrongful Trading

Fleet - Ability cover from anything number of vehicles from 2 under one policy for the minimum requirements by law for road use.

Personal Accident - Benefit payable following illness/injury during the capacity of the business or on 24 hour basis.

Cyber Liability - Secure your business against a data breach in which personal information is stolen or hacked by a cybercriminal. In addition can cover the liability arising from website media content as well as exposures including business interruption, data loss/destruction, computer fraud, funds transfer loss, cyber extortion and ransom.

Event Insurance - Temporary or Annual cover for the Public/Employers Liability and your equipment at those all important events during the year.

Loss Recovery - In the unfortunate event of a claim with a value of over £5000, we will instruct a Loss Adjuster to work on your behalf not the insurers meaning you will get back the most money possible from your insurers and alleviating the stress of submitting supporting documentation to your insurers. They work alongside our dedicated claims team which ensure smooth settlement of your claim.

Credit Insurance - Protects your company against the failure of your customers to pay their trade credit debts owed to you. These debts can arise as a result of a customer becoming insolvent or failing to pay within agreed terms and conditions for example protracted default.